Volunteer Activities-Is An Employer Reponsible For Compensating Employees Who Participate?

The Wage and Hour Division of the U.S. Department of Labor has been very busy so far this year.  My last post was about its proposed new rule on the amount of salary that must be paid for employees to be exempt from the overtime pay requirements as an administrative, executive, professional, or highly compensated […]

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Surplus Lines Policies – Are You Doing Your Due Diligence?

I received an e-mail recently from a client complaining about the forms he was being asked to complete by brokers through whom he had placed surplus lines policies.  Those forms asked him to name the admitted insurance companies from whom he had tried to obtain the insurance coverage sought before obtaining the surplus lines policy […]

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Can An Agency Limit The Types Of Insurance Policies It Will Issue?

The answer to the above question seems obvious. The right of a business to choose what types of products and/or services it will provide is fundamental to the successful operation of a free enterprise economy. If every insurance agency had to offer the same types of insurance policies and/or services, competition among them would be […]

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Use of Text Messages by Insurance Agents

All the marketing articles I have seen recently advise insurance agencies and other businesses to be accessible to their customers and potential customers using every means of communication available.  One of those means is sending text messages to a mobile telephone number.  The IIABA recently published a memorandum on the legal requirements that must be met by insurance agencies […]

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